I. Basic information
Qianbaba is a platform in Shenzhen, and most of the platform loan projects are only 10-30 days. Loans are mostly used for bank revolving credit repayment, which is equivalent to bridging. Another type of loan project is enterprise capital turnover, which is guaranteed by Shenzhen Zi 'an Investment Guarantee Co., Ltd. The following are several questions:
First of all, the guarantee strength of the guarantee company cannot be judged;
Secondly, the mortgage of the house is mortgaged to the bank first, whether it is excessive mortgage or repeated mortgage;
Thirdly, whether the bridge funds are earmarked directly determines the borrower's repayment ability. Qian Dad's platform is very interesting, and he also made an Internet financial media. Stock matching, bill treasure and other products have been launched one after another. The website is beautiful and feels tall. The annualized rate of return is less than 13%, which feels ordinary. Personally, I feel cautious, the deadline is too short, and it is not easy to toss.
Qian Baba's guarantee institution is Shenzhen Zian Investment Guarantee Co., Ltd., which is non-financing. Its registered capital in the enterprise credit information system is 50 million yuan, but its guarantee amount is more than 400 million yuan, which has far exceeded its registered capital and obviously exceeded the guarantee for a long time. Qian Dad didn't ask other guarantee companies for extra guarantee, and it has always been basically Shenzhen Zi 'an. How can people invest with peace of mind? Only represents personal views, not as investment advice.
II. Risk control
1. Guaranteed by Shenzhen Zian Investment Guarantee Co., Ltd. Here are a few questions. First, the guarantee strength of the guarantee company cannot be judged; Secondly, the mortgage of the house is mortgaged to the bank first, whether it is excessive mortgage or repeated mortgage; Thirdly, whether the bridge funds are earmarked directly determines the borrower's repayment ability.
2. Qian Dad's guarantee institution is Shenzhen Zian Investment Guarantee Co., Ltd., which is non-financing. Its registered capital in the enterprise credit information system is 50 million yuan, but its guarantee amount is more than 4 billion yuan, which has far exceeded its registered capital and obviously exceeded the guarantee for a long time. Qian Dad didn't ask other guarantee companies for extra guarantee, and it has always been basically Shenzhen Zi 'an. How can people invest with peace of mind?
3. Qianbaba's guarantee companies are as follows: Shenzhen Datong Financing Guarantee Co., Ltd., Shenzhen Zi 'an Investment Guarantee Co., Ltd., Shenzhen Nuoyaxin Financing Guarantee Co., Ltd. and Shenzhen Financial United Financing Guarantee Co., Ltd., among which Shenzhen Zi 'an Investment Guarantee Co., Ltd. exceeded the guarantee by 400 million yuan, resulting in guarantee violation.
Third, the project situation
I was ecstatic to see the bill financing project released by Qian Dad's platform. Bill financing on other people's platforms is all public bills. Some bills are issued by banks and some by large enterprises (such as Wanda Group). Why don't you play cards according to the routine when you get to Qian Dad? The bill financing of Qianda platform does not disclose information, and the interest rate is still very low. How can we prove that it is a bill financing project? If it's a credit label, who knows?
In fact, the most important thing to invest in P2P platform is to learn how to choose a platform. Please refer to the following table for specific methods: